Efren Ll. Cruz, RFP©

Chairman and & Chief Executive Officer

Established by Efren Ll. Cruz, RFP® in February 20, 2006, the Personal Finance Advisers or PFA is a fee-only financial adviser that provides end to end solutions in financial planning to both individuals and corporations. PFA’s clients are among the top 1,000 corporations in the Philippines as well as small & medium scale enterprises, high net worth individuals and a multitude of ordinary individuals wishing a better future for themselves and their families.

On July 8, 2009, PFA was named the Philippine’s first “International Best Provider” of employee finance education by the Personal Finance Employee Education Fund, Inc. (PFEEF). PFEEF, a US-based non-profit charitable foundation, identified PFA as a high quality provider of workplace financial programs to employees.

INDEPENDENT

EXPERIENCED

PFA does not sell or endorse any financial products provider.

PFA’s principal and pool of consultants have over 40 years of experience in the financial services industry in the Philippines.

COACHES

PFA is a results driven company that values meaningful improvement in its clients through training and coaching.